Who Has Cheap Car Insurance Quotes for Real Estate Agents in New York?

Who Has Cheap Car Insurance Quotes for Real Estate Agents in New York?

The car, truck, or SUV needing coverage is a significant factor when trying to find cheap car insurance for real estate agents in New York. Vehicles with more horsepower, poor safety ratings, or a high likelihood of having liability claims will cost substantially more to insure than more modest models.

The data below estimates insurance costs for the most affordable automobiles to insure in New York.

Car Insurance Rates for Popular Cars in New York
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus S 4-Dr Sedan $820 $410 $68
Ford Fusion Hybrid 4-Dr Sedan $1,052 $526 $88
Honda Accord EX-L 2-Dr Coupe $952 $476 $79
Hyundai Elantra Blue 4-Dr Sedan $862 $431 $72
Hyundai Sonata SE 4-Dr Sedan $938 $469 $78
Kia Optima SX $952 $476 $79
Nissan Altima Hybrid 4-Dr Sedan $892 $446 $74
Toyota Camry XLE $878 $439 $73
Toyota Corolla XRS $892 $446 $74
Volkswagen Jetta 2.0T 4-Dr Sedan $892 $446 $74
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can influence price quotes greatly.

Auto Insurance Rates for Popular SUVs and Crossovers in New York
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 M AWD $1,088 $544 $91
Chevrolet Traverse LS AWD $736 $368 $61
Ford Escape XLS 4WD $706 $353 $59
Ford Explorer Eddie Bauer AWD $850 $425 $71
GMC Acadia SL 2WD $776 $388 $65
Honda CR-V EX-L 4WD $722 $361 $60
Honda Fit Sport VSA $720 $360 $60
Honda Pilot EX 2WD $806 $403 $67
Hyundai Tucson GLS 4WD $792 $396 $66
Jeep Grand Cherokee Laredo 4WD $836 $418 $70
Kia Sportage LX 4WD 4-Dr $836 $418 $70
Subaru Forester XT Limited Edition AWD $838 $419 $70
Toyota Highlander Sport 4WD $850 $425 $71
Toyota RAV4 Limited 4WD $836 $418 $70
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in garaging location in New York which can affect coverage prices greatly.

Car Insurance Rates for Popular Pickup Trucks in New York
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $924 $462 $77
Chevrolet Silverado LTZ Crew Cab 4WD $892 $446 $74
Dodge Ram 2500 Crew Cab ST 4WD $968 $484 $81
Dodge Ram 3500 Crew Cab SLT 2WD $968 $484 $81
Dodge Ram Crew Cab SLT 4WD $968 $484 $81
Ford F-150 XLT Super Cab 2WD $792 $396 $66
Ford F-250 XL Super Cab Turbo Diesel 4WD $1,024 $512 $85
Ford F-350 XL Crew Cab 4WD $1,124 $562 $94
GMC Sierra Denali Crew Cab 4WD $952 $476 $79
Toyota Tundra Limited Crew MAX 4WD $968 $484 $81
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in specific zip code location which can impact prices greatly.

Finding dependable, cost effective insurance is challenging, and finding out which company has the cheapest car insurance rates for real estate agents involves even more diligence. Each insurance company has their own process for determining rates, so to begin we’ll rank the most budget-friendly car insurance companies in New York.

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Cheapest auto insurance in New York ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,152
2 Erie $1,205
3 Travelers $1,513
4 Utica National $1,549
5 Progressive $1,558
6 Amica $1,580
7 Allstate $1,603
8 MetLife $1,620
9 Preferred Mutual $1,754
10 New York Central Mutual $1,836
11 GEICO $1,850
12 Safeco $1,888
13 State Farm $1,982
14 Central Mutual $2,008
15 Liberty Mutual $2,087
16 Hanover $2,323
17 Encompass $2,689
18 Nationwide $3,178
19 Mercury $3,965
20 21st Century $4,412
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USAA offers some of the most affordable car insurance rates in New York at around $1,152 a year. Erie, Travelers, Utica National, and Progressive also are some of the best New York auto insurance companies.

As the rates illustrate above, if you currently have coverage with Progressive and switched to Erie, you might achieve an annual savings of around $353. Policyholders with Amica could save as much as $375 a year, and Allstate insureds might cut rates by $398 a year.

Understand that those policy prices are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a price decrease for real estate agents. So the company that is best for you may not even be in the chart above. That point stresses why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

For realtors, one of the big components that is looked at to determine insurance cost is where your car is garaged in New York. Areas with increased crime or more people like New York, Hempstead, and Yonkers are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The table below illustrates the most expensive cities in New York for real estate agents to buy auto insurance in.

Car insurance prices in New York
Rank City Premium Per Year
1 New York $2,627
2 Freeport $2,281
3 Hempstead $2,279
4 Levittown $1,981
5 Yonkers $1,978
6 Mount Vernon $1,938
7 Brentwood $1,929
8 Hicksville $1,919
9 West Babylon $1,875
10 Coram $1,714
11 New Rochelle $1,676
12 White Plains $1,661
13 Buffalo $1,533
14 Niagara Falls $1,237
15 West Seneca $1,225
16 Cheektowaga $1,203
17 Tonawanda $1,201
18 Utica $1,092
19 Syracuse $1,086
20 Troy $1,085
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Rate information is approximated as the vehicle garaging location can modify insurance rates noticeably.

Discounts on New York insurance

Save on car insurance for realtors in New YorkCar insurance companies that sell cheap car insurance for real estate agents in New York may also provide discounts that could lower prices by 35% or more if you meet certain criteria. A list of companies and some of the premium reductions they offer include:

Car Insurance Discounts Available by Company
Discount Geico State Farm Progressive Allstate
Bundle discount Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No
Anti-theft Yes Yes Yes Yes
Safe vehicle Yes Yes No Yes
Passive restraint Yes Yes No Yes
Running lights Yes Yes No No
Newer vehicle No Yes No Yes
Green vehicle No No No Yes
Accident-free Yes Yes Yes Yes
Defensive driving course Yes Yes Yes Yes
Armed forces Yes Yes Yes No
Occupational Yes No No No
Full payment Yes No Yes Yes
Automatic payment Yes No Yes Yes
Loyalty No Yes Yes No
Sign early No No No Yes
Good student Yes Yes Yes Yes
Distant student No Yes Yes Yes
Own your home No No Yes No
Seat belt usage Yes No No No
Quote online No No Yes No
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The example below compares insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, a clean driving record, no claims, New York state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, anti-theft, safe-driver, multiple vehicle, multiple policy, and vehicle safety discounts applied. When taking advantage of discounts, the the average amount saved on car insurance for real estate agents is % or $.

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Choosing the right car insurance company can be challenging considering how many companies there are in New York. The company ratings shown below can help you choose which insurers you want to consider when comparing rates. The ratings below include large nationwide companies, so smaller companies are not factored into this list.

Top 10 Large Auto Insurance Companies in New York Ranked by Customer Satisfaction

  1. The Hartford – 93%
  2. The General – 91%
  3. Progressive – 90%
  4. 21st Century – 89%
  5. Erie Insurance – 88%
  6. USAA – 87%
  7. State Farm – 87%
  8. Travelers – 87%
  9. Mercury Insurance – 87%
  10. Safeco Insurance – 86%

Top 10 Large Auto Insurance Companies in New York Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Nationwide
  7. Allstate
  8. The General
  9. The Hartford
  10. 21st Century

Is the best company Allstate, Progressive, Geico, or State Farm?

When researching car insurance, the companies with the most market share are Allstate, Progressive, Geico, and State Farm. The data below breaks down price, claims, and customer service ratings, as well as some optional coverages you can buy with each company.

Top U.S. Car Insurance Company Ratings
Allstate Progressive Geico State Farm
Policy Cost 4th 3rd 1st 2nd
Number of Discounts 1st 4th 2nd 3rd
Customer Satisfaction 2nd 3rd 1st 4th
Claims Rank 1st 4th 3rd 2nd
U.S. market share 10% 8.8% 11.4% 18.3%
A.M. Best rating A+ A+ A++ A++
S&P financial rating AA- AA AA+ AA
Accident forgiveness Yes Yes Yes No
Mechanical breakdown insurance No Yes Yes No
Rideshare insurance Yes Yes Yes Yes
New car replacement Yes No No No
Rating based on usage Yes Yes No Yes
Roadside assistance Yes Yes Yes Yes
Insurance Agents Only buy from Allstate agents Indpendent agents or online From a Geico agent or online State Farm-only agents
Number of agents 11,000+ 30,000+ 150+ 18,000+
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